tag:blogger.com,1999:blog-81983055957345376022018-04-01T05:28:28.051-07:00College Money and Scholarships TipsThis blog gives tips on college money. Get free information on saving money in college, making college more affordable, financial aid tips, and student loans and scholarships.Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.comBlogger161125tag:blogger.com,1999:blog-8198305595734537602.post-14198162586786900932016-09-02T10:53:00.002-07:002016-09-02T10:53:47.692-07:00How to Study Effectively<div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-izikojB0OMY/V8m8Oi3_SSI/AAAAAAAAATM/74i_ALgZmN4fdKxXmRT4T029rADgkuGdgCLcB/s1600/classroom-e.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://2.bp.blogspot.com/-izikojB0OMY/V8m8Oi3_SSI/AAAAAAAAATM/74i_ALgZmN4fdKxXmRT4T029rADgkuGdgCLcB/s1600/classroom-e.png" /></a></div>Studying is something all college students should be doing and doing well. But many students don't. If this is you, and you wish to change that, here are some good study tips. There are some classes you cannot fake. You have to actually learn and remember things.<br /><br />Every day you should set aside some study time. If everyday is not an option, or you really don't need it daily, then do a weekly schedule. You MUST have regularly scheduled study time if you plan on studying best. Before a big exam, schedule longer sessions. Be determined to follow your study schedule. Make it a habit. Movies and fun can wait, not studying.<br /><br />Some students like to listen to music or watch TV while studying. Not a good idea. But if you must, at least clear yourself from other distractions. Turn off your cellphone or put it in a place you can't get to it easily. Declutter your study area. All that should be there is study aids and books. You also need a schedule within your study time. Set a timer for 20 minutes or so. That way, you can take a break, stretch, clear your mind, go to the bathroom. You have to take these breaks, or your study time will not go well.<br /><br />Study groups are not that great, actually. The more people you have, the less you can focus on your needs. Pairing up with another student or two is probably best. Have each of you come up with study questions and answers and go over them. You want to pair up with other students who are of the same mindset as you. Don't think you are going to help someone who is a goof-off.<br /><br />Don't cram. Don't study at the last minute. Don't be a student who is nervously rifling notes at their seat even as the test is being passed out. It will not do you any good. Be prepared before you get there. Get a GOOD night sleep. Eat light and healthy. Bring whatever you need for the exam--pencils, pens, blue book, etc.<br /><br /><a href="http://teachersindex.com/teachers-with-student-loans.html">Tips for teachers with student loans</a><br /><br /><br /><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/bBX_rnumxN4" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2016/09/how-to-study-effectively.htmltag:blogger.com,1999:blog-8198305595734537602.post-9978732509024333392016-08-31T16:40:00.003-07:002016-08-31T16:40:57.741-07:00College Students and Sleep<a href="https://2.bp.blogspot.com/-9UOCptB340k/V8dq2gwG0wI/AAAAAAAAASw/3EAOzkoq_dcHKfs0dTsW8vKH9_NVzO29gCLcB/s1600/classroom-10.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://2.bp.blogspot.com/-9UOCptB340k/V8dq2gwG0wI/AAAAAAAAASw/3EAOzkoq_dcHKfs0dTsW8vKH9_NVzO29gCLcB/s1600/classroom-10.jpg" /></a>We would guess that many college students do not get enough sleep. And this might be one reason to do poorly in classes. Remember, you are in college to study, learn, and graduate to a good future. You can sleep all you want AFTER graduation.<br /><br />You need a plan of attack for sleep. This starts with your daily plan. You need a routine. Each day is probably different, but your bedtime should be the same. Make it a habit to do a daily schedule, and pencil in bedtime. This also means that the time you get up should also be planned, and regular. Going to bed and getting up at the same times will eventually ensure a good night's sleep.<br /><br />Don't study, read anything important, exercise, or do something that can stimulate you roughly 2 hours before sleep. This again means getting and keeping a schedule.<br /><br />Eating might be a another problem. You cannot expect to get a great night's sleep if you eat large snacks or meals just before laying down. Forget the coffee and sugar drinks as well. Wind down with some gentle tea or something. Sleeping is all about relaxing, even your stomach.<br /><br />Don't go to sleep with the TV going, radio, or earphones. if you can, turn your phone off, and don't check it if you wake in the middle of the night. Computer screens should be off. If this is impossible, invest in a cheap blindfold.<br /><br />With a little planning, sleep can go a long way!<br /><br /><a href="http://teachersindex.com/how-to-be-a-teacher.html">Do you want to become a teacher? Click here!</a><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/q2GeEMEsYvk" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2016/08/college-students-and-sleep.htmltag:blogger.com,1999:blog-8198305595734537602.post-78722251903559530042014-02-16T07:21:00.003-08:002017-08-21T07:19:04.786-07:00College Debit Cards<div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-FdeQXqTd3Xk/SxHgs9V2A6I/AAAAAAAAABM/uRRb31Zyux8m_imwKizAyfGu8g-mlpSQACPcBGAYYCw/s1600/grad.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="200" src="https://4.bp.blogspot.com/-FdeQXqTd3Xk/SxHgs9V2A6I/AAAAAAAAABM/uRRb31Zyux8m_imwKizAyfGu8g-mlpSQACPcBGAYYCw/s1600/grad.jpg" /></a></div>Many colleges are making financial aid available on a college provided debit card. The money may be more conveniently available to students. Many students are taking them up on this offer and using their financial aid right from the debit card. But did you know there are reasons to not do this?<br /><br />College students need every dime of financial aid. Some debit cards provided by the college may charge you a fee if you actually use it as a debit card. You should be able to use it as a credit or check card, then there should be no fee. If you cannot do this, you should not be getting your financial aid on a debit card.<br /><br />Did you know that the colleges are probably getting a bounty for each student they get a debit card to? The colleges do not actually run the cards. Private banks do. You are then dealing with a private bank.<br /><br />You can avoid fees as well if you just withdraw cash to use from ATMs run by that bank. The problem is, there may not be these ATMs readily available to you at any given time. So if you need quick cash, you pay a fee to get it. That's not fair to college students.<br /><br />You are better off getting the financial aid in a check that you deposit in your own account and use it the most prudent way.<br /><br />But, be aware that even if you do the debit card, you still have the option of getting a check or deposited right in your own bank account.<br /><br />Of course your bank might have fees as well, but those would be fees you are already paying and know about.<br /><br />Before you jump at the convenience of financial aid on a debit card, look at how much it may cost you. It could be a few dollars, or add up to hundreds over your college stay.<br /><br />&gt;&gt; <a href="http://www.bubblews.com/news/2322531-tuition-free-college">How about a tuition-free college? </a><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/q46OfD0H9ko" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2014/02/college-debit-cards.htmltag:blogger.com,1999:blog-8198305595734537602.post-62764298107133493472014-01-22T09:24:00.002-08:002017-08-21T07:20:59.106-07:00Iowa Law Students May Not Need to Pass Bar ExamLaw students who graduate in Iowa may not need to pass the Bar Exam under proposed legislation. Law graduates will be able to start practicing law, so long as they stay in Iowa. They still would be required to pass the Bar for whatever state they choose to move to.<br /><br />Iowa law students would need to do a few more things before practicing law in Iowa. They will need to take an elective course in Iowa, as well as pass ethics and character tests.<br /><br />Currently, Iowa law students must wait four months before taking the Bar exam.<br /><br />These changes are to help struggling law students with debt, and allow them to get jobs sooner.<br /><br />Iowa is also looking to change their Bar exam to UBE (Uniform Bar Exam) thet is good for 14 other states.<br /><br />Iowa would not be the only state to allow law students to practice law without the Bar. Wisconsin has allowed their law students to practice in the state with the Bar exam for 75 years. So if you are thinking of being a lawyer, dreading the Bar, those two states are an option for law school.<br /><br /><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/bsUi5qO4ZHA" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2014/01/iowa-law-students-may-not-need-to-pass.htmltag:blogger.com,1999:blog-8198305595734537602.post-65328682469010643392013-11-20T17:59:00.001-08:002013-11-20T17:59:23.494-08:00Getting into college with bad gradesHow can you possibly get into college if you have bad grades? Does that sound like you? Don't panic, there are plenty of options. Grades are indeed one of the factors that are looked at, but you can get around it.<br /><br />The best way is actually to delay college. Okay, not actually a delay in college, but a delay in applying to the college of your dreams. Go to a two year community college first, rack up good grades, then transfer. Your high school record will almost be a moot point. Some four year universities in the same area have a guaranteed acceptance agreement with some of the junior colleges. Doing some college at a community college helps lower the cost as well.<br /><br />Another way to get around bad grades, is to just be open about them. In your college admission essay, admit the bad grades. Don't make excuses, but convince them you are a good risk.<br /><br />Apply to as many colleges as you can and increase the odds that someone will admit you.<br /><br />Get people who know you to write stellar letters of recommendation. These should include teachers, counselors, employers, even a pastor. The slant should be with your ambition overcoming your grades.<br /><br />Most high school students start applying in their junior year. If your grades are bad, the chances are slim that you will be chosen. So, go ahead and strive to do A+ work as a senior, then apply. Sure, you might have to take a college that is not at the top of your list, but at least you're in.<br /><br />So there you have it. Some ways of getting into college with bad grades.<br /><br />&gt; <a href="http://needycollegestudents.com/college-freshmen-tips.php">College Freshman Tips</a><br /><br /><br /><br /><br /><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/Aqc9qjphPdw" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/11/getting-into-college-with-bad-grades.htmltag:blogger.com,1999:blog-8198305595734537602.post-68154753672431278552013-11-17T08:54:00.001-08:002013-11-17T08:54:15.892-08:00College Students: Choosing a credit cardCollege students as a group are always looking for money. Getting a credit card may seem like it's the same as getting money. It's not. However, credit cards are not bad, and certainly not for college students if used wisely. And chosen wisely. Here are some tips to choosing the right card.<br /><br />First and foremost, for any credit card, is the interest rate. Nothing else really matters, as this is the bottom line as to what using it will cost you. Many companies offer several options. College students normally do not need rewards, so choosing the lowest interest rate is a must. You should pay the credit card off in a timely manner. Since many college students cannot pay a large bill off at once, not being charged a substantial amount for interest is a plus if the need arises to maintain a balance.<br /><br />In conjunction with the interest rate are the fees you may be charged. Many will entice you with an easy way of getting a credit card, but then slapping you with a huge upfront yearly fee. Do not get a credit card with an annual fee. Thee are plenty that are free. No reason to pay for the privilege of using a credit card.<br /><br />Last but not least, is the credit limit. This is where college students need to be careful. Having a smaller credit limit will limit your ability (and temptation) to get deep in debt. If you can't pay off a balance in 3 to 4 months, try and not get it up that high. Graduating with student loan debt is bad enough. If you do have a high limit, relative to your income, try and keep the balance at between 25 and 30 percent of the card's limit.<br /><br />There's nothing wrong with college students having and using credit cards. The danger is in what it will cost you now and in the future. Building your credit now is very important.<br /><br />&gt;&gt;<a href="http://www.needycollegestudents.com/college-students-credit-cards.php">More info on college students and credit cards</a>.<br /><br />&gt;&gt;<a href="http://needycollegestudents.com/college-freshmen-tips.php">Freshman tips for college.</a><br /><br /><br /><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/j7MFexuzEBA" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/11/college-students-choosing-credit-card.htmltag:blogger.com,1999:blog-8198305595734537602.post-50516053821579601472013-07-26T18:19:00.002-07:002013-07-26T18:19:39.344-07:00MCAT Medical College Admission Test <b>Thinking of medical school? You must take the MCAT!</b><p>The MCAT, the Medical College Admission Test, is generally required for all students who wish to go to some type of medical school. It tests variousl things like problem solving and critical thinking, as well as scientific knowledge and writing. The MCAT test is given entirely by computer at various sites. If you want to be a doctor, you must take the MCAT. Being prepared is the best thing you can do.</p><p>Other medical professional schools also require the MCAT test, including allopathic, osteopathic, podiatric, and veterinary medicine.</p><p><b>Where do I get started on the MCAT?</b><br>The best place to get started on the MCAT is from the source.<br>The website is:<br><a href="http://www.aamc.org/students/applying/mcat/">www.aamc.org/students/applying/mcat/</a><br><br>Association of American Medical Colleges<br>Medical College Admission Test<br>2450 N St., NW<br>Washington, DC 20037<br>(202) 828-0690<br><br>Email: mcat@aamc.org<br></p><p><b>Where do I take the MCAT?</b><br>You take it mostly at Prometric testing centers, which are owned Educational Testing Service. They have numerous testing sites around the country. Remember, the entire test is taken sitting in front of a computer. When you register for the test, you will be given a choice of testing sites open and convenient to you. </p><p><b>What does the MCAT test include?</b><br>The MCAT has four parts Physical Sciences, Verbal Reasoning, Writing Sample, and Biological Sciences. </p><p>The Verbal Reasoning, Physical Sciences, and Biological Sciences parts are multiple choice questions. The Writing Sample requires completion of two essays, typed into a computer. </p><p>Physical Sciences: Tests ability to solve problems in general chemistry and physics. </p><p>Biological Sciences: Tests organic chemistry and biological concepts. </p><p><b>What is taking the MCAT test like?</b><br>This information is current as of the time this page was created. It may change. </p><p>The test starts out with the Physical Sciences. You will have 70 minutes to complete 52 questions. </p><p>Verbal Reasoning is next, with 60 minutes to answer 40 questions. </p><p>You then can take a 10 minute break if you wish. </p><p>Next up is the Writing Sample. You will have to type in 2 essays. You are given 30 minutes for each one. </p><p>Another optional 10 minute break. </p><p>The last Section is the Biological Sciences. You will have 70 minutes to answer 52 questions. </p><p><b>How is the MCAT scored?</b><br>Most students want to know this, but in reality, because of the nature of the test, you cannot put a percentage on it. There are varying degrees of difficulty factored in. So know how it's scored may or may not be helpful. </p><p>The grading is done on a scale, not percentage. It is hard to equate a raw score to your given score. </p><p>The multiple choice parts are each graded on a scale from 1 to 15. 1 being the lowest, 15 being the highest. The highest score you can get in total for the 3 multiple choice parts is 45. </p><p>The two writing essays are scored by a computer and a human being. You can get between 1 and 6 points on each essay. Your total essay score will be made up of the 4 scores. But that's not your given score. Instead of a numerical value, your raw essay score is converted to a letter scale starting at J and going up to T. J is lowest, T is highest. </p><p>What score should I shoot for?<br>Hard to tell, but the average score is around 28 for the multiple choice, and P for the writing. Remember, multiple choice is worth a maximum of 45 and P for writing. The mean for 2010 is 25 for the multiple choice. </p><p>It is rumored that a more balanced, but high, score is better. That is, you want scores close together on all multiple choice parts. Something like 13, 11, 12 and not where one score is lower or higher. Like 15, 10, 11 or even 12, 12, 7. </p><p><b>Things to know about the MCAT</b><br>When you show up for the test, you need a valid ID card, like a drivers license. </p><p>You will have your photo taken and be finger printed. </p><p>You cannot take any personal items, food, or drinks into the testing center. </p><p><b>How can I prepare for the MCAT?</b><br>The best way is by doing practice exams and questions.<br>The MCAT website has sample test questions.</p><p>If you have a medical condition or disability, you CAN apply for accommodations! </p><p><a href="http://needycollegestudents.com/medical-school-scholarships-loans.php">Medical School Scholarships and Loans</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/1gAU00jyMRw" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/07/mcat-medical-college-admission-test.htmltag:blogger.com,1999:blog-8198305595734537602.post-25170092275732658412013-03-22T14:39:00.002-07:002013-03-22T14:39:36.580-07:00College Scholarship TipsCan you go to college for free? Well, there are a lot of people that do. They get scholarships and grants that pay for cost of going to college. Can you be one of these lucky few? Yes you can. Thousands of college students each year get literally millions of dollars in scholarships to pay for college. You cannot get a scholarship without applying, so here are some tips. <p>First thing to do is maybe an internet search. Narrow the search down for college students like you. Never pay for any scholarship search. There is no need. A lot of unscrupulous people take money and do nothing. There really is nothing that a paid college scholarship search can do for you that you cannot do free. In fact, here is a <a href="http://needycollegestudents.com/scholarship-search.php">free college scholarship search</a>. </p><p>You can find scholarships for students who have a hobby or passion for something. Also, local businesses give out lots of scholarships to local kids each year. Your high school counselor is another good place to start. They will have info and probably even forms to fill out to apply. </p><p>There are a lot of small scholarships available, but don't sell yourself short. There are many huge scholarships. KFC gave out a $20,000 one recently. </p><p>You want your application to stand out above the others. That means making it unique. You may want to read it out loud to friends and family to see what they think. You want it to be exciting, not boring. It's not a school report or assignment. </p><p>That leads to the next scholarship tip. You cannot apply effectively to dozens. You must narrow it down to a handful and do a GREAT job applying. Or, if you are feeling well of yourself, you can apply for more. But remember that each scholarship is unique and requires a unique application and description of yourself. </p><p>More info: <a href="http://needycollegestudents.com/nursingscholarships.php">Nursing scholarships</a> || <a href="http://needycollegestudents.com/find-college-scholarships.php">How to find scholarships</a></p><p>Don't forget that the college you apply will have their own scholarships and grants. Don't rule out a school because it is expensive. Many of those real expensive schools give out the fattest financial aid! </p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/U17OvgkEPrU" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/03/college-scholarship-tips.htmltag:blogger.com,1999:blog-8198305595734537602.post-19643430678679353222013-03-03T17:36:00.000-08:002018-02-28T14:37:55.741-08:00For-Profit Vocational Schools<br /><a href="https://2.bp.blogspot.com/-n1RkIZSiUl0/WY4Gwb_DmyI/AAAAAAAAAac/kVHk7kUXVcACcaqZKB3H6xJYT643dcD6gCPcBGAYYCw/s1600/teacher-top18.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="302" data-original-width="178" src="https://2.bp.blogspot.com/-n1RkIZSiUl0/WY4Gwb_DmyI/AAAAAAAAAac/kVHk7kUXVcACcaqZKB3H6xJYT643dcD6gCPcBGAYYCw/s1600/teacher-top18.jpg" /></a>Because of the economy, a lot of people are thinking about going back to college. Even young people are thinking twice about career paths. Because of this, going to a for-profit vocational or trade school may sound like a good idea. However, before you spend money on one of these educational institutions, you need to be aware of some things. <br />First and foremost, you want to get a job after finishing the school. Do some research. Ask some potential employers what they think of the school and training. Admission personnel and salespeople may be pumping up the school with empty promises. No matter whether you get a job or not, if you get a student loan, you will have to pay it back. Look into the job market for your chosen vocation. <br />What will you get as proof of finishing? Will it be a degree or a diploma? It can make a big difference in your employment prospects and options. Again, ask places where you might apply later what they think. <br />Again, the most important aspect of a for-profit college, is to get a job. You must evaluate the job market. Are there jobs near you? Will you have to relocate? Is anybody actually hiring? <br />You may need to get a state or special license to complete the requirements and get a job. Does the college prepare you for it? Can you sit for the license exam after graduating? What are their pass fail rates? Does it cost extra? How often are the tests given? <br />Above all, you certainly want it accredited. If they offer a degree, make sure it is accredited by the agency that accredits your local colleges and universities. Once again, it will make a difference if you want to use the credits in the future, or even be eligible to sit for a state or national exam. <br />Before spending a lot of money, do your research on any for-profit college or vocational school you wish to attend. You might also check the local junior colleges. They probably have similar programs at a fraction of the cost and will be accredited. However, the classes may be quite full and you will be on a waiting list. <br />&gt;&gt; <a href="http://needycollegestudents.com/online-college-degrees.php">Tips for getting a degree online.</a><br />&gt;&gt; <a href="http://www.squidoo.com/teaching-profession">How to enter the teaching profession.</a><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/TXl5H9uZ8zQ" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/03/for-profit-vocational-schools.htmltag:blogger.com,1999:blog-8198305595734537602.post-23507239413562093812013-02-06T09:47:00.000-08:002013-02-06T09:47:00.246-08:00Federal Perkins Loans<p>If your financial aid and other college money resources do not pay for all of your expenses, you may need to look for alternatives. One of these alternatives, is the <a href="http://www2.ed.gov/programs/fpl/index.html" target="_blank">Federal Perkins Loan Program</a>. Most colleges and universities have these loans available. The loans are made through the school, and the majority of the money they lend comes from other students repaying loans. The federal government will also reimburse the school if the loan was cancelled through several ways available to students. You must complete your <a href="http://www.fafsa.ed.gov/" target="_blank">FAFSA</a> to apply for a Perkins Loan. They will also require you to sign a promissary note. After graduating, you can have the loan cancelled by working as a teacher in under-served schools. You can get a forbearance or deferment due to hardship as well. Be sure and discuss all this with the college that is giving you the Perkins Loan. It must be repaid. Student loans are not discharged due to bankruptcy. Which brings up problems about these loans. </p><p>Because you borrow from the college, the college will want their money back. They could sue you if you default on this loan. In fact, many colleges and universities are now doing just that. </p><p>Keep in mind that almost $1 billion in Perkins Loans were defaulted on in 2011. That's huge. It shows these loans are being given to students who may be getting over their heads in debt. These loans are supposed to be for low income and otherwise poor college students. That alone may be contributing to the delinquencies. Think long and hard before getting one of these. These loans are not the normal <a href="http://www.direct.ed.gov/" target="_blank">Federal Direct Student Loans</a> that every student can get. </p><p>Barack Obama is hoping to increase the money available to students in the Perkins Loan program. He is also suggesting that it become loans only available from the federal government and not the individual college. </p><p>You need to look at your situation if you qualify for these loans. It may not sound good to you, but these loans are made to students in the lowest position to repay them. You are probably a high credit risk. Will you earn enough money to pay this loan back, as well as your other student loans? Think first. </p><p>>> <a href="http://needycollegestudents.com/student-loan-consolidation.php">Student Loan Consolidation.</a></p><p>>> <a href="http://www.squidoo.com/plus-loans">PLUS Loans.</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/ZBGAMdSRrYY" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/02/federal-perkins-loans.htmltag:blogger.com,1999:blog-8198305595734537602.post-87577637331121779272013-01-27T09:15:00.000-08:002013-01-27T09:15:56.565-08:00Parents guide to paying for college<p>Now that your child got accepted to college, you have to begin to plan to pay for it. There is a lot of financial aid available, as well as other money sources out there for college. You will need to look at all options after studying your child's financial aid award. </p><p>Look at the <a href="http://needycollegestudents.com/financial-aid-award.php">financial aid letter</a> very carefully, especially if your child applied to multiple colleges. The letter will spell out where all the aid is coming from, from grants to your pocket. There may even be an itemized list of what the bottom line for school costs are, like room and board. If it does not, you must factor that all in. Beware of the hidden costs of college. The bottom line is the total out of pocket expenses you will on the hook for. One college may be more expensive, but gives more financial aid, making it less costly for you. Others may me cheaper, but don't give as much financial aid, making more money come from your pocket. If you have financial hardships, write the financial aid office explaining this. </p><p>You will also need to dissect your family's financial situation. How much can you afford to pay? How much can the student pay? Remember, college will last 4 years, not just this one. Your child may need to work to pay for some of the college expenses. </p><p>Do a good <a href="http://needycollegestudents.com/scholarship-search.php">scholarship search</a>. Don't pay for one. The high school your child attends will have a full list. Also, look at other places for scholarships. You company may have scholarships for employees. Any clubs or professional organizations you belong to will probably have them as well. Apply for any and all you can. </p><p>Talk to the college about financing options. Most colleges and universities have some sort of payment plan. Normally, there is no interest. </p><p>Much of college is paid through <a href="http://needycollegestudents.com/student-loan-tips.php">student loans</a>. All direct loans are now made by the government. Private supplemental and parent loans are also available, like <a href="http://www.squidoo.com/plus-loans">PLUS loans</a>. Private students loans should only be used as a last resort. They do not have the same low interest or repayment plans that direct student loans have. </p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/H7moFCKa-EI" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/01/parents-guide-to-paying-for-college.htmltag:blogger.com,1999:blog-8198305595734537602.post-7271018343934688412013-01-25T06:58:00.000-08:002013-01-25T06:58:12.202-08:00Get more out of your financial aid award<p>If you will be paying for college using financial aid, now is the time to begin. In fact, most college students rely on financial aid. College tuition and expenses are rising, so you need to be able to get the most you can from your financial award package. Virtually every college gives out a financial aid package based on your FAFSA, so it is important to fill that out correctly. Here are some tips for maximizing your financial aid. </p><p>File your <a href="http://www.fafsa.ed.gov/" target="_blank">FAFSA</a> early. You can start filling it out online January 1st. Quite a few colleges have deadlines, many as early as February. There is a limited amount of money that colleges have to give out. First come, first served is common. If you have not filed your income tax, or your parents, you can still fill out the FAFSA and use estimates. Bottom line, file your FAFSA early! </p><p>Even if you don't have a clue as to if or what you will qualify, fill your FAFSA out anyway. There is other money aid from colleges available, as well as federal student loans, that require a FAFSA to be filled out. </p><p>Be sure and fill the form out correctly and completely. Any errors or blanks will cause delays. All lines need to be filled out, even with zeros. If you fill it out online, the process should guide you on every line that must be filled in. Filling it out online is much easier anyway. </p><p>A college student is expected to contribute to their education. Your bank accounts and your parent's, will be counted. If you have money in a savings account, you might want to transfer it to a <a href="http://needycollegestudents.com/529-college-savings-plan.php">529 savings plan</a>. If you have a lot of money saved, use it all in your freshman year. That way, your future financial aid award will not be affected. Your parents can put money into an IRA or 401(k) that won't be counted as well. </p><p>One thing about your FAFSA to remember. Be sure and not lie or fudge figures. If you are found out, you could be declared ineligible for any financial aid. Be open and honest. </p><p>A little know aspect of getting more financial aid is to tell your college of your financial situation if it matters. You can talk to the financial aid officer, or write a letter, stating financial hardships that you and your family are going through. This could get you more aid. Also, if you get different financial aid awards from different colleges, you can use that as leverage for the school you want. Ask them if they will match a better offer. If the college wants you, they may do that. </p><p>Financial aid is not just grants and loans. You may need to work in the work-study program. The school also might give scholarships to eligible students who maintain good grades. </p><p>The bottom line is to get your FAFSA in now! </p><p>More info: <a href="http://needycollegestudents.com/financial-aid-award.php">Your financial aid award explained.</a></p><p>>><a href="http://www.squidoo.com/collegecash"> Free tips for broke college students.</a></p><p> <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/0fWtxor2oCI" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/01/get-more-out-of-your-financial-aid-award.htmltag:blogger.com,1999:blog-8198305595734537602.post-63631122401038317592013-01-08T12:48:00.000-08:002013-01-08T12:48:08.232-08:00Should you go to graduate school?<p>Sometimes your undergrad degree just won't cut it or lead to the job you really wanted. After graduating, many college students are thinking about grad school. Should I go, or not? </p><p>Many college students are not sure of what to do after graduation. Somewhere they have heard the myth that if you don't know, then just go to grad school. Not true. The only time you actually really need a graduate degree is if the career of your choice requires one. If not, why spend your time and money getting a degree that's a waste? Don't think it will make you more marketable. How about over qualified? Most grad students take out even bigger student loans! </p><p>Speaking of "more marketable." You will NOT be more more marketable except in jobs that require an advanced degree. Did you know it may actually make you less desirable? Because instead of getting valuable experience working in some job, you have spent the last 2 to 3 years staying in college. This only delays you getting a job! And what college grad does not need a job to start paying off that mountain of student loan debt? </p><p>One final thought. After getting an advanced degree, will you be applying to any and all jobs? If so, many job interviewers will think that you are only applying for a temporary job, IF your grad degree does not match it. After all, you went to the trouble of getting it, right? </p><p>>><a href="http://needycollegestudents.com/graduateschool-financialaid-admission-tips.php">More tips on graduate degrees.</a></p><p><a href="http://www.squidoo.com/how-to-be-a-teacher">How to be a teacher.</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/lB2NxhX3dAQ" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com1http://college-money-tips.blogspot.com/2013/01/should-you-go-to-graduate-school.htmltag:blogger.com,1999:blog-8198305595734537602.post-30445880435792634422013-01-04T08:27:00.000-08:002013-01-04T08:27:07.332-08:003 Ways for College Students to Earn Money Now<p>After the holiday break, you may be going back to college with a little less cash in your wallet. But there are ways to make some extra money, even for college students. </p><p>This may sound rather crass, but what did you get as Christmas presents? </p><p>Gift cards? If you did and you have not used them, why not sell them for cash? <a href="http://www.cardpool.com/" target="_blank">Cardpool.com</a> allows you to sell them for over 90% of their value. <a href="https://www.plasticjungle.com/main" target="_blank">PlasticJungle.com</a> will buy them and pay by paypal or check. Having cash is probably more attractive than a new sweater or something. </p><p>Gifts? Unwanted gifts to be exact. What useless stuff did you receive? Why not sell the items on craigslist? </p><p>How about a part time job? <a href="http://www.snagajob.com/ "target="_blank">snagajob.com</a> has part time jobs listed for many areas. Working as a college student is actually the best way to put money in your pocket. </p><p>With a little effort, even broke college students back from the holidays can make some extra money! </p><p><a href="http://teachersindex.com/how-to-become-a-teacher.htm">How to be a teacher and find a teaching job.</a></p>______________________________________ <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/zdwpjNV9CRw" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/01/3-ways-for-college-students-to-earn.htmltag:blogger.com,1999:blog-8198305595734537602.post-43658307421359920722013-01-03T08:03:00.002-08:002017-07-30T16:47:35.981-07:00Hot college degreesIf you are just starting college, or doing a career change, there are some degrees that are going to keep growing in high demand through 2013 and probably beyond. You may rethink your degree and career plans if your current degree is not cutting it. Here are some high in-demand degrees. <br />Accounting: A degree in accounting is perhaps the hottest degree. As the United States continues to recover financially, businesses will be looking for accountants. These jobs will grow almost 20%. <br />Business Management: Again, as businesses change and expand the recovery, business managers who know what they are doing will be in high demand. Tens of thousands of new managers and business consultants will be needed and desired. <br />Computer Science: It's no surprise here. Computer science has always been hot and it shows no signs of cooling. Programming and software needs of companies will continue to be needed well into the future. Computer science is a plus because it's a job skill. <br />Degree in communications: Just think of the growing ways we communicate: TV, internet, smartphone, social, email, and more. Knowing how to communicate across various channels will be a much sought after skill. <br />And how about graphic design? Again, as businesses expand the recovery, advertising and media will be key ventures. From books, posters, websites, even music cover designs will be in high demand. Again, being able to do advanced graphic design on computers will be a growing field for years to come. <br />In addition to this list, just about anything in the engineering field will be in demand as well. <br />&gt;&gt; <a href="http://needycollegestudents.com/find-college-scholarships.php">How to find college scholarships. </a><br />_________________________________________________ <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/NjO7h3Xy4wE" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2013/01/hot-college-degrees-in-2013.htmltag:blogger.com,1999:blog-8198305595734537602.post-42411041746979165882012-12-23T12:12:00.000-08:002012-12-23T12:12:37.921-08:00State Merit ScholarshipsMerit Award Scholarships are for academic achievement and not on any other financial criteria. Like need. That means they are open to potentially every student. <p>Right now, more and more states are switching a lot of their financial aid to merit awards. 27 states now do it, and 13 are giving more than 50% of their awards as merit. </p><p>In Georgia, because of financial problems with their scholarship program, they raised the bar. The academic requirement is now higher. Georgia's Hope Program is one of the largest merit awards program in the country. </p><p>This could mean other states follow. So what's the real change? Instead of awarding college money based on need, it is now trending to award it on merit. Meaning that maybe, and that's a big maybe, less needy students will get money. </p><p>Many other states are starting to look at how they give out grant money. Some are giving over 50% based on achievement. Remember, the financial aid money is not growing, and might even be reduced. </p><p>To some it makes sense to award college scholarships based on merit or achievement, rather than on income. It rewards those who work hard, and might raise the standards of those starting and completing college. We might have a better prepared work force. </p><p>Achievement comes in various parts, like ACT or SAT scores, and grades. </p><p>Of course states are trying to keep some aid there specifically for low income students. </p><p>The bottom line, is study study study. You'll be a better student for it, and, it might put money in your pocket! </p><p><a href="http://needycollegestudents.com/college-students-discounts-car-insurance.php">College Students Car Insurance Discounts.</a></p><p><a href="http://teachersindex.com/how-to-become-a-teacher.htm">How to Become a Teacher.</a></p><p>_____________________________________</p> <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/0ivaipAUfAw" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/12/state-merit-scholarships.htmltag:blogger.com,1999:blog-8198305595734537602.post-90468802474070400512012-12-07T14:36:00.000-08:002012-12-07T14:36:03.839-08:00New federal Student Loan Payment RulesOn December 21, 2012, income based payments of the federal student loan program will change and be more lenient. <p>If you are eligible, your student loan payments will be capped at ten percent of some of your income. Living allowances will not be included in this level. This change is a new Pay as You Earn program designed to make student loan payments less onerous. After 20 years, your loan can be forgiven. </p><p>So, who qualifies? First, you must have taken out a federal student loan after October 1, 200. You are also required to have gotten at least one disbursement from the student loan after October 2011. Of course your income and financial situation must also be qualified, like family size and all income. If you choose this repayment option, it actually could cost you more in payments over the life of the loan, so do the math. </p><p>Remember, this is only for direct federal student loans. It is not for any private student loans you may have taken out. </p><p>You must reapply and meet the eligibility each year. The IRS is developing a way to submit your tax records automatically. </p><p>Want a better deal? Work in some type of eligible public service, and your student loan could be forgiven in only 10 years. </p><p>>><a href="http://needycollegestudents.com/repaying-student-loans.php">More info on help repaying student loans.</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/6qWiq3ZJozo" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/12/new-federal-student-loan-payment-rules.htmltag:blogger.com,1999:blog-8198305595734537602.post-79348051183492142542012-11-30T09:14:00.000-08:002012-11-30T09:14:20.012-08:00Thinking about law school?<p>Law school and the dream of being a lawyer is at the point where any potential student should stop and think. Being a lawyer is not the same as it was years ago. Less than 60% of recent law school grads are employed full time as lawyers. Salaries have fallen by almost $10,000. However, if you think long term, a law degree can be lucrative and open doors in the future. Keep in mind the average law school graduate debt is close to $100,000. </p><p>Having a law degree does open up more opportunities. Becoming and agent of professionals and doing contract law is certainly a possibility. You don't just have to practice law in the courtroom. The job market is very competitive at the moment, not to mention the fact that law school is expensive. Here's what you need to consider if you are thinking about a law degree. </p><p>The cost is prohibitive for most students. A law degree can cost upwards of $200,000. Will you be able to afford those payments? Can you live rather cheaply for a few years after graduating? The cost is the biggest factor. </p><p>Are you really cut out to be a lawyer? It's not like TV or the movies. Meet current, active lawyers and shadow them. Find out exactly what being a real lawyer is like. You may find that practicing law is not as great as it's cracked up to be. </p><p>You have got to choose the right school. Not all schools are the same. Accreditation and the percent of grads that pass state BAR exams are big factors. You should pick a law school in the same state a you wish to practice. Do some research as to whether that state actually has a need for more lawyers and is seeing hiring growth. </p><p>Your grades will matter. How good of a student are you? Are you an A student? Can you become one? Grades and jobs are very related in the law profession. </p><p>Can you use your law degree in other ways that do not involve being a traditional lawyer? The more options you have, the better. </p><p>>> Read more: <a href="http://needycollegestudents.com/law-school-admission-scholarships.php">Law school admission tips and scholarships.</a></p> <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/rf_BMUw5glg" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/11/thinking-about-law-school.htmltag:blogger.com,1999:blog-8198305595734537602.post-84686766371770622462012-10-30T09:22:00.001-07:002017-07-30T13:05:58.916-07:00Are you considering medical school?<a href="https://3.bp.blogspot.com/-9ifE6_FlGvk/WX48BEfNr5I/AAAAAAAAAZc/C8jVBADp41Ahb3wmg6m8zrcJ9aSjXo27QCLcBGAs/s1600/doctor.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="340" data-original-width="509" height="213" src="https://3.bp.blogspot.com/-9ifE6_FlGvk/WX48BEfNr5I/AAAAAAAAAZc/C8jVBADp41Ahb3wmg6m8zrcJ9aSjXo27QCLcBGAs/s320/doctor.jpg" width="320" /></a>Becoming a doctor can be a rewarding and lucrative career. But it's not for everybody. At least 8 years of school, internships, residencies, and becoming a doctor looks like a far off prospect. It can be done, as people graduate medical school each year. But times are changing, and so are medical schools and admissions. Here are some things to consider before you think about applying to medical school. <br />Medical school is not for the faint of heart. You will be ordered around and probably be put on the spot. Maybe even humiliated. Can you take it? <br />Becoming a doctor is not a fast track to becoming rich. It is long hours, and may be years before you start making the top money. Plus, you have to worry about lower insurance payments and the cost of malpractice insurance. Doctors pay a lot of money to practice medicine. Medical school students have a tendency to graduate with a mountain of student loan debt. <br />Medical schools are focusing on other things today. These include working as team, sharing duties, and even developing bedside manners, commonly call "people skills" today. Medical are looking for those types of individuals, and have opened the doors to some students who might not be complete science majors. They are looking at well-rounded doctors for the future. Are you in? <br />You need to show you can stick with something. Starting college, then stopping, even transferring between undergrad schools can show your lack of commitment. Don't let this show on your medical school application. <br />Thinking about going to a foreign medical school? Think again. You have a language and lifestyle barrier. You may think it's cheaper, but in the long run it has been shown to be more expensive than a US based medical school. Plus, there will be trouble in getting residencies and jobs in the United States. It has been shown that US doctors who studied out of the country have a rougher time passing exams here. <br /><iframe bordercolor="#000000" frameborder="0" height="150" hspace="0" marginheight="0" marginwidth="0" scrolling="no" src="http://ad.doubleclick.net/adi/N7433.148119.BLOGGEREN/B6675617.363;sz=180x150;ord=[timestamp]?;lid=41000000028007181;pid=UBM9780761905295;usg=AFHzDLvaEXKmUBJDCRqTKjvLCe3_Sb8s9w;adurl=http%253A%252F%252Fwww.cdsbooksdvds.com%252Fproduct.jhtm%253Fsku%253DUBM9780761905295;pubid=591652;price=%2481.26;title=Surviving+Medical+School;merc=CDS+Books+and+DVDS;imgsrc=http%3A%2F%2Fc379105.r5.cf1.rackcdn.com%2F9780761905295.jpg;width=56;height=85" vspace="0" width="180"></iframe> <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/jCEZXda3zLc" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/10/are-you-considering-medical-school.htmltag:blogger.com,1999:blog-8198305595734537602.post-20346459783448969052012-10-14T11:21:00.000-07:002012-10-14T11:21:41.872-07:00Colleges might waive application feesNot only is the cost of attending college high, but just try sending off those applications. The postage and fees can hurt your budget even before you take a class. There are ways of reducing the fees or even getting them waived. <p>Many college fairs will have colleges in attendance give fee waivers. </p><p>Visit the college in person, ask the admissions officer for a fee reduction or waiver. </p><p>If you apply online or early, your fee may be automatically reduced. </p><p>Do you or your family have financial difficulties? Fill out a form for a fee waiver. Go to <a href="http://nacacnet.org/studentinfo/feewaiver" target="_blank">http://nacacnet.org/studentinfo/feewaiver</a></p><p>You can probably get a fee waiver just by showing your selected college you are low income. </p><p>Did you know you can also get these fee waivers for the SAT or ACT test? </p><p>Ask your high school counselor for more info. </p><p>Remember, you won't get the fee waiver or discount if you don't ask! </p><p><a href="http://teachersindex.com/how-to-be-a-teacher.html">How to be a teacher and get a teaching job.</a></p><p><a href="http://teachersindex.com/teachers-salary.html">Find the average teachers salary.</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/ssWomlHn6lo" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/10/colleges-might-waive-application-fees.htmltag:blogger.com,1999:blog-8198305595734537602.post-6064503984309589992012-09-04T06:03:00.000-07:002012-09-04T06:04:47.595-07:00Ways to Save Money in College<br><p><a href="http://teachersindex.com/how-to-become-a-teacher.htm">Want to be a teacher?</a></p><p>The cost of a four year degree keeps going up. It's getting to be very expensive to go to college and many families are feeling the pinch. There are a few ways to save money on college expenses and make getting that degree a little more affordable. </p><p>If you are still in high school, start thinking about college now. Many junior colleges allow you to take college classes while in high school. Some are even taught on high school campuses. Take some classes before you graduate. If you are up to the challenge, take AP classes and pass the AP exams. This will give you college credit. Any classes you take will make the overall cost of a degree cheaper. </p><p>In fact, virtually all college degrees require the same first two years of general education requirements. Taking these classes at a local community college can save big bucks. Then transfer. You will only have roughly two years of four year college expenses. Staying at home, going to a JC, can be one of the biggest ways to save money on college. Resist the urge to get a federal student loan while at a junior college. Try and pay cash. Your loan will be much bigger than the expenses if you are living at home. Save the debt for the four year college or university. </p><p>Speaking of staying at home, are you attending college close to you? No reason to spend money on a dorm or apartment. Staying at home cuts that expense down to what your parents are already paying--your room and board now. </p><p>What is your plan? Do you have a major picked out? You need to pick one soon. Taking classes that you don't need is a waste of time and money. Choose a degree wisely, and stick with it. If not, you probably will spend longer than four years getting a degree because you need different classes. Take only the classes you need. You can also be a dual-major, using the some of the same classes for each degree. </p><p>If you live on campus, get the cheapest meal plan first. This will allow you to test the food to see if you like, and more importantly, will actually eat it. No reason to get a meal plan that you will not use. </p><p>Sometimes an off-campus apartment is cheaper than a dorm and meal plan. Check this option out. </p>Yes, college is expensive. Checking out ways to save now is a good idea. Also, it is very important to graduate without a staggering amount of student loan debt.<img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/GOLZv-LkQi8" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/09/ways-to-save-money-in-college.htmltag:blogger.com,1999:blog-8198305595734537602.post-83379732927837499182012-08-21T13:09:00.002-07:002012-08-21T13:09:25.472-07:00How teachers and schools can prepare students for college<p>Not all students will go to college. Not all students must go to college. College is an option like anything else. The problem is, schools and teachers seem bent on preparing all students for college, but most of these ideas are off base. Here are some real world tips for preparing students for college. </p><p>The work is not necessarily harder in college. We do students a disservice when saying it is. Kind of scares them into a false reality. Some classes and subjects may be easier in college than high school. Many general requirement classes will be filled with hundreds of students doing mostly busy work. Not exactly hard. Time consuming, but not hard. In fact, the biggest thing teachers and schools can do to prepare students for college, is for them to actually know what the present college experience is like. </p><p>College students must meet deadlines. Do you have deadlines? Or are you lenient? This is a good rule for all students, not just college bound. The real world has real, hard hitting deadlines. If you miss them, you suffer. Don't pay your taxes on time and see what happens. Show up to work late. You suffer. College students may actually fail classes by not meeting deadlines. Certainly they must register and have all forms in by certain dates. Give your students consequences for turning in late work. College professors consider college students adult enough and are not very lenient. </p><p>Technology only goes so far. High school students grow up today using spell checkers, texting, and calculators. While that's fine, colleges are still pretty old fashioned. Introductory college writing will require proper sentence structure and grammar. And spell checkers don't do much for wrong words spelled right. Calculators? They probably will not help you in many math classes. These skills are good for the real world as well. People who can function in all circumstances will thrive. Don't be lenient on worked turned in that is garbage and is done in a lazy way. </p><p>Note taking may have become a lost art. But college, as stated above, is still old fashioned. You must be able to take good notes and be able to study with them later. If your students are not taking notes, they may falter. Taking notes also helps students pay attention to what is being taught. A good skill for the job market as well. </p><p>Schools should demand that teachers and students meet standards. Many four year colleges have canceled their remedial classes because there are just too many students needing them. They can't cope. Many students find they can't pass entrance exams and must take a class at a junior college. In California, for example, the high school exit exam tests to just about the 10th grade. Do you think 10th grade level is good to start college? It's not. 10th grade level should not even be accepted in the job market. </p><p>Advanced Placement and Honors classes have their place, but they give a false sense of "college readiness" or "intelligence." AP classes are taught to pass the AP exam. Why? Because if one does not pass the exam, taking the class is now a moot point. Too many schools are stuffing their campus with these classes. They don't do much good. They prepare to pass a high school class, but not get you college ready. Parents should have their students get straight A's in a regular college-bound curriculum, and not be snookered into Honors classes. </p><p>Teachers, incorporate more logic and critical thinking into your classes. That's what college campuses are craving right now. Critical thinking students. Do you make your students think on a daily basis? Or they just doing mindless tasks?</p><p>>><a href="http://only-buy-american.com/teachers-and-schools/">Discuss more educational topics at the forum.</a></p> <img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/UASa-10-Y7k" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/08/how-teachers-and-schools-can-prepare.htmltag:blogger.com,1999:blog-8198305595734537602.post-83951617550667657712012-08-14T15:14:00.001-07:002012-08-14T15:15:22.486-07:00How college students can save on rentFor many college students, the dorm is not an option, or they just don't want to live on campus in a cramped dorm room with a bunch of other students in the same room and building. But renting can be very expensive compared to the dorm. Here are some ways of saving money on rent. <p>The best way to save money is to not get the first apartment you see. You need to shop around and see what's out there. Getting the best price may take some leg work, but even $50 less a month is almost $500 for the school year. </p><p>It may seem counter to what college students should do, but signing a lease may get you a few dollars off the rent. A longer lease generally comes with better terms. The downside is that during summer, you will need to find someone to take over the payments, or live there yourself. Every college has a summer term and there are students who need rooms just for the summer. </p><p>Speaking of renting rooms, that's another way to make rent cheaper. Rent a spare room. It could either be to another college student, or maybe a tourist in town. The latest thing is renting rooms to tourists as the cost of hotels continues to skyrocket. This is better than the dorm, in that you can pick and choose a roommate. </p><p>Consider your location. Rooms near a college may be more expensive than just a few more miles away. Supply and demand is in play here. You will be competing with other college students looking for rentals. The further away you can live, the cheaper the rent. Maybe. You have to weigh the distance with price. </p><p>A good deal is rents that include anything free. If you can scoop up a place that tosses in free trash, water, wi-fi, maybe even other utilities, that could be quite a savings right there. Everyone needs water and wi-fi. If you spend money on a gym membership, having a free one at your apartment complex can save some dough as well. </p><p>College is more expensive than ever. No reason why you can't make renting cheaper! <a href="http://teachersindex.com/how-to-be-a-teacher.html">How to be a teacher and find a teaching job</a></p><img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/yupwVdRXDE4" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/08/how-college-students-can-save-on-rent.htmltag:blogger.com,1999:blog-8198305595734537602.post-68162395542567384572012-07-24T07:41:00.000-07:002012-07-24T07:41:21.116-07:00Colleges are giving less in scholarships and grantsThe past few years have been hard times for everyone. College students included. That's why many colleges and universities were giving out more monetary aid. To help students and families afford college. But those times are ending. Many schools have been hit hard by the recession as well, and now they need to cut back. College students can expect less money available from their schools. Colleges have their own ways of helping students, with grants and <a href="http://needycollegestudents.com/scholarship-search.php">scholarships</a>. But the money is not as plentiful as used to be as colleges cope with their own cost-cutting measures. It has been reported that as much as 15% less money is now available. That's quite a bit. Because of this, college students really need to step up their game for this money. Grants and scholarships do not need to be repaid. Taking as little in <a href="http://needycollegestudents.com/student-loan-tips.php">student loans</a> will help in the long run. First thing is to realize that colleges are probably making it tougher to qualify for the aid. Only the really good students will qualify. This is especially true for merit scholarships. Strive to be an A student. Applying early is also a good idea. Grant and scholarship money from the college you choose is not without end. The money will run out. Applying as early as possible will put you at the front, not the back when the money runs out. Because tuition and fees continue to rise, and money getting tighter, the amount a college student borrows will just keep increasing. There are many http://needycollegestudents.com/college-students-save-money.php, from going to a 2 year junior college first, or a cheaper closer school. Plan ahead. Apply early. Expect to borrow more. Keep your costs down.<img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/_pJduImWrqo" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/07/colleges-are-giving-less-in.htmltag:blogger.com,1999:blog-8198305595734537602.post-63104359162879704722012-06-25T09:39:00.000-07:002017-08-02T13:15:56.303-07:00Career Jobs That do not Require a College Degree<div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-9UOCptB340k/V8dq2gwG0wI/AAAAAAAAAS0/wzk736jEHPEaf7JUbF42b9H4WhmrUOFYQCPcBGAYYCw/s1600/classroom-10.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="190" src="https://4.bp.blogspot.com/-9UOCptB340k/V8dq2gwG0wI/AAAAAAAAAS0/wzk736jEHPEaf7JUbF42b9H4WhmrUOFYQCPcBGAYYCw/s1600/classroom-10.jpg" /></a></div><br />The health care industry seems to just keep growing. People will always need healthcare, and as the baby boomers age, demand will only increase. Yes, doctors and nurses will be needed, but the top healthcare jobs that are growing do no require a degree. Or, in some cases, only require a two-year degree. If the healthcare field is something you would like to get into, but do not want to spend years in college, here are three such positions.<br /><br />One of these is a health information technician and medical records. Many public community and career colleges offer these classes. You will probably need to earn a certificate, or go for a full two year degree in information technology in healthcare. If you would like a medical career, but do not necessarily like interacting with patients, this is the ideal job. You must be a person who is very organized and can keep track of details. <br />If you do like working with patients, consider becoming a medical assistant. Some of these jobs are like super secretaries. They can help run doctors offices from the front desk. You will be doing some paper work, like scheduling appointments. Getting the medical history of a patient is also withing your scope of practice. Some even do medical tasks, like vital signs and injections. Every medical office will have different requirements. A certificate in medical assisting from a career or community college is probably a must. You can earn a two year degree as well. <br />One of the biggest growing medical fields is in massage and physical therapy. More people are looking at alternative medical treatments and massage therapy is booming. Opportunities are opening up all over. You have to be good with your hands and work very well interacting with people. A massage therapists will probably need a certificate. Physical therapists, which are more involved in the medical field, will probably want to go for a bachelor's degree, but it is not required to be licensed. Check with your state on what it takes to become a licensed physical therapist. <br />&gt;Looking for scholarships? Check out our <a href="http://needycollegestudents.com/scholarship-search.php">free college scholarship search</a>. <br />.<img src="http://feeds.feedburner.com/~r/CollegeMoneyAndScholarshipsTips/~4/xhpitUBKLq4" height="1" width="1" alt=""/>Stephen Carrhttp://www.blogger.com/profile/11695965972666197179noreply@blogger.com0http://college-money-tips.blogspot.com/2012/06/career-jobs-that-do-not-require-college.html